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Kevin V.K. Crick
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Kevin Crick’s Answers

57 total


  • What is the differance between a collection agency and investigating firm. She kept saying there NOTa collection agency .

    Can an investigating firm take you to court ? this company says they will notify my creditor that I refuse to pay this debt and they can then take me to court or garnish my wages. Would I be better off calling the original creditor? This firm wan...

    Kevin’s Answer

    It sounds to me as though they are a collection agency but they are lying to you. Further research would have to be done on them to determine if they are not a scam agency just trying to get money from you that bought your information.

    I think you might be entitled to max 1000.00 for any lies and/or misleading communications, and you can feel free to contact my law firm to see if we can put you in touch with a PA attorney who may be able to assist you. Most attorneys are helpful understanding the situation people are in, especially in this current economy, and take these cases on contingency, so nothing out of your pocket and they get a portion of the recovery if there is any. My best to you.

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  • Proof of Debt Validation from Collection Agency

    Is the list below valid items to request from collection agancy trying to collect a debt from a consumer? What if they only provide one document (photocopies of signed contract)? Is this enough to prove debt or are all the documents required bef...

    Kevin’s Answer

    • Selected as best answer

    I don't think that they have to provide all, but I do believe that whatever they are providing MUST come from the current creditor. They cannot just print whatever they have on file. If they do it could be a misleading communication back to you from the debt collector that could entitle you to max $1000.00 under the Fair Debt Collection Practices Act (FDCPA). Please feel free to give my office a call early next week so that we can try to put you in touch with an attorney in your state who might be able to provide you with more information and help you. I hope this has helped.

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  • Help with a collection agency and SOL

    I have a collection agency trying to collect on a utility bill from 2002, when the last activity appeared. The state I lived in was KS, but the utility company was based in MO. I moved out of state in 2002, and never received a closing bill from t...

    Kevin’s Answer

    • Selected as best answer

    It sounds to me like this agency might have violated multiple rights of yours.

    Feel free to contact my office on Monday, or sometime early next week. We can try to put you in touch with an attorney who can assist you in your area. In my opinion, not legal advice, you are entitled to max $1000.00 under the Fair Debt Collection Practices Act (FDCPA). This company should not get away with such misleading communications.

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  • How many credit card companies can attach your wages at one time in m10assachusetts?

    I already had 1 wage garnishment and now a second one for a different credit card company has been attached to my wages

    Kevin’s Answer

    Yes they can, but as the other attorneys here have already commented, they can only garnish it so much, up to a maximum of 25%. Bankruptcy is an option, but it may not be necessary. Feel free to contact my office early next week and we can try to put you in touch with an attorney who can assist you with more information. Most take these on contingency, or at the very least for a reasonable flat fee.

    Depending on what communications you might have had with third party debt collectors, you yourself might be entitled to max $1000.00 under federal law for violations of the Fair Debt Collection Practices Act. You might also be entitled to relief in Massachusetts under MGL 93A, which is a strong state consumer protection statute that protects Massachusetts residents from anything unfair or deceptive that these companies might have done to you.

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  • Can a collection agency collect from a foreigner without SSN?

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    Kevin’s Answer

    Yes it can, but they cannot do anything harassing or in violation of the Fair Debt Collection Practices Act in their attempts to do so. In my opinion, they cannot do certain things if you do not have credit and property in this country. If they know they cannot do something and still make threats about things that they cannot do, that is where they might be violating the law. feel free to call my office and may be able to try to put you in touch with an attorney who may be able to assist you.

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  • Could I sue a car dealer?

    I purchased a used 2011 Nissian Altima and used my 2006 Nissian Altima as a trade-in (whic has a balance of $4,500.00). I drove off the lot and the check engine light came on. I called the car dealer and I was told the car was pressure washed; wh...

    Kevin’s Answer

    You can go after the dealership, and as the others have said, act soon! Good luck with the situation

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  • Do I have a case

    purchased a new car in 08 and recently traded it. When dealership pulled carfax report for a prospective buyer it showed that it had been hit by a train in transit to dealership. The report stated that it had been hit by a train with moderate to s...

    Kevin’s Answer

    In my opinion, it definitely sounds like you have a case where your rights have been violated. Please seek local representation as soon as possible. Best of luck.

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  • Coll. agency won't accept my money for my student loan. Going to legally threaten my cosigner. What can I do?

    I have a student loan approx 20K. Haven't found a decent job since I left school. I'm now waitressing @ a South of the Border restaurant. Ends don't meet. I have defaulted on my student loan and they now want to go after my co-signer. To prev...

    Kevin’s Answer

    Hi, it sounds to me like they may have violated some of your rights under the Fair Debt Collection Practices Act, and California's Rosenthal Fair Debt Collection Practices Act. You have a right to dispute the alleged debt, which I believe they possibly may have overshadowed. Please feel free to give my office a call as soon as possible next week and I can try to put you in touch with a local attorney in your state who hopefully, as many do, would take your case on contingency. I think that they are being completely unreasonable with your good faith efforts to resolve the situation.

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  • I sent a letter for verification of the debt to a collection agency with my adress then the CA reply to an old diferent adress

    I sent a letter from my wife's account to a collection agency to verified the debt then the CA sent that verification letter to my wifes parents in law adress diferent from the real adress it shows in the letter but my wifes used to live there an...

    Kevin’s Answer

    I would provide your proper address - feel free to contact my office next week and we can try to put you in touch with a local attorney who can help you. My best to you and your family.

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  • Can a collection agency garnish my wages for a debt?

    I recieved a student loan for an online college in florida before reciving the loan i advised them i could not afford to pay a loan he said they would reimburse me when the school district i work for pays i said i would have to talk to my employe...

    Kevin’s Answer

    I am sorry to hear about your experiences with this agency. Premiere Credit of North America, the agency you are dealing with, generally collects on these alleged student loan debts for others. From what you are saying it does not sound like they have the authorization to sue. Furthermore, what they said could be incredibly misleading. At most, depending on if the student loan was federal or private or not, they could only assist in the garnishment process. It is not likely that 'they' could sue you. If they don't have the ability to sue you, which I suspect, then they likely violated your rights, and you could possibly be entitled to max $1000.00 under the Fair Debt Collection Practices Act (FDCPA). I would definitely seek an attorney. Feel free to contact my office early next week and we can try to put you in touch with an attorney who can try to assist you. Most will represent you in these cases on contingency.

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